Discrimination in insurance

Discrimination in insurance law is allowed under the German antidiscrimination law, when recognized risks justify the discrimination. This is considered unjust by many affected people.

People with chronic diseases are discriminated by private insurance companies. This includes life insurance, disability insurance or accident insurance. Anyone who wants to take out such insurance must fill out a questionnaire and answer questions about their health. Among other things, it is asked whether the person is suffering from a chronic disease. When the answer to this question is positive, an increase of premiums or denial by the insurance company to complete the contract usually follows.